{"id":14554,"date":"2021-11-18T12:50:17","date_gmt":"2021-11-18T11:50:17","guid":{"rendered":"https:\/\/52.31.48.128\/blog\/?p=14554"},"modified":"2025-02-19T11:08:12","modified_gmt":"2025-02-19T10:08:12","slug":"tramites-cancelar-hipoteca","status":"publish","type":"post","link":"https:\/\/www.aedashomes.com\/blog\/tramites-cancelar-hipoteca\/","title":{"rendered":"Tr\u00e1mites para la cancelaci\u00f3n hipotecaria"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es la cancelaci\u00f3n anticipada del pr\u00e9stamo hipotecario?<\/h2>\n\n\n\n<p>Por cancelar la hipoteca se pueden entender tres cosas: saldar totalmente la deuda al pagar la \u00faltima mensualidad del pr\u00e9stamo hipotecario, saldar totalmente la deuda pagando anticipadamente lo que quede de pr\u00e9stamo o dejar la vivienda libre de cargas y que conste en el registro de la propiedad como tal. Esto se suele utilizar por lo general cuando se tiene la intenci\u00f3n de vender la vivienda.<br><\/p>\n\n\n\n<p>Los tr\u00e1mites para cancelar la hipoteca se pueden realizar de distintas maneras. La m\u00e1s f\u00e1cil es dejarlo en manos de una gestor\u00eda independiente. Pero si quieres realizar los tr\u00e1mites de cancelaci\u00f3n del pr\u00e9stamo hipotecario por tu cuenta, te explicamos brevemente los pasos que puedes seguir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfCu\u00e1les son los tr\u00e1mites para cancelar la hipoteca?<\/h2>\n\n\n\n<p>Lo primero que necesitas es un certificado que atestigua que el pr\u00e9stamo hipotecario ha sido saldado. Este certificado lo puede emitir el banco y no tiene coste. Puedes ponerte en contacto con la entidad para consultar si puede mandarlo o quiz\u00e1 tengas que solicitarlo presencialmente en la entidad.<\/p>\n\n\n\n<ul class=\"wp-block-gallery aligncenter columns-1 is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\"><li class=\"blocks-gallery-item\"><figure><img loading=\"lazy\" decoding=\"async\" width=\"908\" height=\"605\" src=\"https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2021\/11\/tramites-cancelacion-hipoteca-02.jpg\" alt=\"\" data-id=\"14566\" data-link=\"https:\/\/52.31.48.128\/blog\/?attachment_id=14566\" class=\"wp-image-14566\" srcset=\"https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2021\/11\/tramites-cancelacion-hipoteca-02.jpg 908w, https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2021\/11\/tramites-cancelacion-hipoteca-02-300x200.jpg 300w\" sizes=\"auto, (max-width: 908px) 100vw, 908px\" \/><\/figure><\/li><\/ul>\n\n\n\n<p><br><\/p>\n\n\n\n<p>En segundo lugar debes buscar un notario que se encargue de la preparaci\u00f3n de la escritura de cancelaci\u00f3n de hipoteca. No hace falta que sea el mismo que escritur\u00f3 la vivienda por primera vez.<br><\/p>\n\n\n\n<p>Una vez la tenga lista, el apoderado de la entidad financiera con quien firmaste la hipoteca se encargar\u00e1 de firmar la escritura. Los gastos del notario correr\u00e1n por tu cuenta, eres el encargado de pagar esta escritura. Es un procedimiento que puede llevarte algunos d\u00edas.<br><\/p>\n\n\n\n<p>En cuarto lugar, deber\u00e1s dirigirte a Hacienda con la escritura en mano para pagar el impuesto sobre Actos Jur\u00eddicos Documentados (IAJD). Se hace rellenando el modelo 600 y se puede realizar de manera telem\u00e1tica si se dispone de certificado digital, pero es aconsejable hacerlo de manera presencial por si se necesitara documentaci\u00f3n adicional.<br><\/p>\n\n\n\n<p>Por \u00faltimo, se necesita llevar toda la documentaci\u00f3n a alguna oficina del Registro de la Propiedad para que puedan iniciar el proceso de levantamiento de cargas. Se necesita la escritura y el justificante de pago del IAJD. En dos semanas podr\u00e1s llevarte la documentaci\u00f3n que garantiza que la vivienda est\u00e1 libre de cargas, previo pago de la minuta. Ya podr\u00e1s incluso solicitar una nota simple para comprobar que todo est\u00e9 correcto.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es la cancelaci\u00f3n anticipada del pr\u00e9stamo hipotecario? Por cancelar la hipoteca se pueden entender tres cosas: saldar totalmente la deuda al pagar la \u00faltima mensualidad del pr\u00e9stamo hipotecario, saldar totalmente la deuda pagando anticipadamente lo que quede de pr\u00e9stamo o dejar la vivienda libre de cargas y que conste en el registro de la&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14555,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[210,170],"tags":[],"class_list":["post-14554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casas-del-mundo","category-inmobiliario-y-finanzas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u25b7 Tr\u00e1mites para cancelar hipoteca | AEDAS Homes<\/title>\n<meta name=\"description\" content=\"Descubre los tramites de 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